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  1. Hi I have a CCA from an old secured loan with igroup. On the CCA it says I have paid insurance. Can I claim this back? If I remember correctly this loan was paid off when we remortgaged about a year after this was taken out, can I still claim interest on this amount? What is strange is this form has been filled in by them, they have also ticked the box for single cover even though this CCA is for a joint loan in both our names and we have both signed it. I obviously saw it as we must have signed it and sent it back but I musn't have noticed at the time. Regards igroupcca.pdf
  2. Hi, Please can someone help me, I really cannot cope anymore and if I don't get help soon I think I'll have a nervous breakdown but I don't know which way to go or who to turn to for advice. Here's a quick idea of my situation. I'm married with 3 kids, both myself and husband work, my job is not very well paid though as I have no qualifications to get a decent paid job. My husband and I have unsecured debts of £41K between us. We also have a mortgage for £118K and a secured loan on top of that which was for £46K. Total debts around £200K. We are paying all our unsecured de
  3. Hi All, This is my first post and not sure if I'm in the right place, but hopefully someone will be able to help. I have a mortgage with a balance of £161,000 and a secured loan (with Firstplus!!) with a balance of £49,000. I am self employed, but am getting less and less work. The secured loan is our biggest problem, so for the past year and a half I have been trying to sell the house. Have had no offers despite reducing the price several times. At the moment the house is up for £208,500 but is still not getting any offers!!! Total unsecured debts are: Personal £5000, Credit ca
  4. Right, I've finally managed to get the agreement scanned, could someone have a look and give me their opinion.
  5. I have a secured loan with approximately 4 years to run. However I now find myself with the problem of maintaining the current monthly repayment due to a substantial reduction in income, caused by my husband going into permanent residential care which I have to partially fund. I will lose his state pension and part personal pension which will leave a gaping hole in finances. I am wondering if I can obtain a reduction in the existing monthly repayment which I realise will add further interest, but better that than facing re-possession. I would be most grateful for any assistance.
  6. Hi firstly hello and i hope this is in the right section i am having problems with black horse finance and my secured loan and require help please it is a long story but im sure you will be surprised at what i tell in fact this is black horse maybe not oh well here goes we took a secured loan out in 2008 with black horse for £10k the way it happened is like this got harrassed of black horse for a loan eventually agreed they sent us forms and arranged an appointment to sign the forms and hand over our personal details bank statements wage slips etc etc. I then ripped up the forms and never
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